It’s that dreaded time of year again, time to renew your automobile insurance plan. For some time now, you’ve been considering using a different company to see if you can save any money. In the appointment with your new agent, he asks, “Would you like to select Limited Tort? It will save you on your premium.” For that shortsighted person, the inquiry ends there and also the response is YES! Anything to cut costs. For that respected thinkers amount us, though, the inquiry is going much further. What exactly is Limited Tort? Its an option in your automobile insurance policy that essentially waives your to recover for suffering and pain if you are injured within an accident. To acquire this, you save a few bucks on your insurance premium. The savings varies case by case, and depends upon how old you are, location and number of drivers in your house, amongst other things. My wife and I would be the only drivers within our home, and we have been in our mid 30’s. Our savings for a 6 month policy could have been $17. Others that I know happen to be offered more substantial savings, up to and including few hundred dollars per year. The question for you personally is whether the savings makes it worth while. In my case, $17 clearly is not. Becoming an attorney and coping with Limited Tort cases on a daily basis, there is probably no amount that might be worth it in my experience.

You have to realize precisely what you are quitting when you purchase Limited Tort. You’re quitting your right to sue for pain and suffering that may occur in an auto accident which was not your fault. Picture yourself sitting at a red light, waiting for the signal to show green. An unattentive driver strikes you from behind, forcing you in to the steering wheel. You suffer a broken nose, broken ribs, headache, whiplash and back pain. You go to physical rehabilitation for two months. Nothing appears to relieve the rear pain, you may endure this for some time. Imagine that you have selected Limited Tort on your car insurance policy. Your family members in your vehicle won’t be able to recuperate for pain and suffering for just about any of these injuries just described.

There are exceptions towards the Limited Tort rule and they change from state to state. In Pennsylvania, where I practice law, the threshold for overcoming the Limited Tort election is that if the injury suffered is classified as a severe disfigurement, a significant impairment of bodily function or death. This means that if a person suffers an injury as mentioned in the earlier sentence, you’ll be able to pursue a problem and suffering claim even if you have selected the Limited Tort election.

Consideration is needed before selecting the Limited Tort option. From a legal standpoint, it is never a good idea. At the very least, you should know of the items you are giving up if you make the Limited Tort election.

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